Business Banking Solutions

As a business owner, you understand the importance of having strong financial health. And the bank you choose to partner with, matters. That's where we come in. Our Business Banking Solutions team works to understand your unique challenges, and will provide you with a custom, solutions-based approach to all of your financial needs. We are here to support you so you're free to focus on the things you want to do.

ICS® & CDARS®

With the ICS and CDARS services from IntraFi^SM Cash Service, you can enjoy the safety and simplicity that comes with access to additional FDIC insurance protection through a single bank relationship. You can choose the service or combination of services that can offer the returns and access to funds you seek.

Features

Enjoy Peace of Mind - Rest assured knowing that your funds are eligible for additional FDIC insurance protection that’s backed by the full faith and credit of the federal government. And ICS and CDARS are not subject to floating net asset values, so you can feel secure knowing that market volatility will not negatively affect your principal.

Earn Interest - Put cash balances to work in demand deposit accounts and money market deposit accounts with ICS and in CDs with CDARS.

Access Funds - With ICS, maintain access to your funds placed in demand deposit accounts or money market demand accounts. With CDARS, select from multiple term options to meet your liquidity needs.

Save Time - Work directly with just us--a bank you know and trust--to access additional FDIC insurance, and forgo the need to use repo sweeps or to track collateral on an ongoing basis.

Support Your Community - Feel good knowing that the full amount of your funds placed through ICS and CDARS, both can stay local to support lending opportunities that build a stronger community.¹

[1] When deposited funds are exchanged on a dollar-for-dollar basis with other institutions that use ICS, our bank can use the full amount of a deposit placed through ICS for local lending, satisfying some depositors’ local investment goals or mandates. Alternatively, with a depositor's consent, our bank may choose to receive fee income instead of deposits from other participating institutions. Under these circumstances, deposited funds would not be available for local lending.
Deposit placement through CDARS or ICS is subject to the terms, conditions, and disclosures in applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through CDARS or ICS satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears athttps://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. IntraFi and ICS are registered service marks, and the IntraFi hexagon and IntraFi logo are service marks, of IntraFi Network LLC.

Lockbox

Does your company receive a large volume of payments from customers? With our Lockbox service, the payments made by customers are directed to a special post office box instead of going to your company. We retrieve the payments, processes them daily, and deposit the funds directly into the company's bank account.

Desktop Teller

Desktop Teller is an innovative service that eliminates the need to bring check deposits to the bank, saving you time. Scan checks, coupons, and money orders, and electronically transmit the scanned images to the bank for posting and clearing. All you need to get started is an existing PC with internet access and a check scanner.

Our Desktop Teller is a step above the rest, offering advanced features and functionality you won't find with other remote capture options. Our remote deposit software will allow you and authorized co-workers to view previously scanned deposits for check research and deposit reporting purposes. You also have access to HelpDesk support that is always available to provide comprehensive web-based training to get you up and running quickly.

Features

1,000 free monthly transaction items*
5:00 p.m. cut-off time
Next-day availability
Available in Single Feed or Auto Feed scanners
Eliminate courier and deposit slip costs

*Transaction items include all debits and credits.

Merchant Card Processing

Most consumers use debit or credit cards for payments. To accept those forms of payment, your business needs Merchant Card Processing. We offer a comprehensive set of payment processing services and full-service merchant card processing capabilities.

Payment processing services include:

Credit card processing
Equipment purchasing or leasing
Check guarantee and authorization processing
E-Commerce payment processing
Convenient statement reconciliation

Full-service merchant card processing provides transaction processing capabilities including:

Fraud monitoring
Reconciliation
Automatic transfer of merchant funds
Draft retrieval
Chargeback

Business Banking Team

Business Banking is what we do, building relationships is what we love. Whether you're in the process of starting a business, or transitioning financial institutions, our team is here to guide and support you. We consider ourselves part of your team and want to celebrate with you as you achieve your dreams! We partner across industries, business size and bottom lines to manage all of your banking--because at the end of the day, two things matter most to us: you, and your business.